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Get Cheap Car Insurance in South Mound, KS

We monitor insurance prices, helping the average driver in South Mound save up to 29.5% on car insurance.

 

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The Cheapest Minimum Coverage in South Mound

The chart below shows the cheapest car insurance company in South Mound for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Kemper, Farm Bureau, and Travelers.

 
South Mound Insurer Monthly Cost
State Farm $50
Kemper $52
Farm Bureau $54
Travelers $55

Savings for Every Kind of South Mound Driver

The table shows how much the average auto insurance customer in South Mound might save by following our recommendations.

Based on our extensive insurance data, we know the average South Mound driver will save about 24% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $360 per year by choosing the right vehicle insurance company. Some South Mound residents are paying out over $1,517 extra every year for auto insurance in South Mound. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
South Mound, KS Savings / Yr.
Drivers with good records
$360
Drivers with accidents
$573
Drivers with speeding tickets
$409
Drivers with a DUI conviction
$670
Young drivers
$1,307
Married drivers
$333
Drivers with bad credit
$728

South Mound Car Insurance vs. Kansas

People living in South Mound pay an average of 3.07% less than the typical driver in the state. The average driver in South Mound can expect to pay about $817 per year, or $1,517 for full coverage.

Based on our analysis, Geico will be the cheapest provider in South Mound for most people.

Car Insurance Prices by South Mound Neighborhood

South Mound, KS map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within South Mound?

The map shows insurance prices in and around South Mound, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $28 per year within the city boundaries, with insurance premiums ranging from a high of $1,543 to a low of $1,515. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Central parts of South Mound.

Pick the Best Car Insurance Company for You in South Mound

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the South Mound insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in South Mound

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $360 over the average South Mound car insurance company.

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We use the average good driver, paying $96 per month, as our baseline for pricing in South Mound. Geico, Kemper, and Midvale Home & Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for South Mound drivers with accidents on their records

In South Mound getting into an accident will raise premiums an average 33% for a yearly cost of $2,262. That's $745 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Kemper, and American Family Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $573 over the competition.

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The best car insurance company for South Mound drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $409 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In South Mound, tickets raise premiums on new quotes about $379. If you have a speeding ticket, we recommend Geico, Dairyland, and Kemper for savings that beat the average insurance cost of $1,896 per year.

The best auto insurance for South Mound drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,444 per year in auto insurance premiums, which was $927 more than a driver with no major issues. Travelers, Dairyland, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from Dairyland may cost the average person with a DUI about $670 less each year.

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The least expensive car insurance company for new and young drivers in South Mound

In South Mound, Geico costs young drivers $1,307 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in South Mound. With an average cost of $4,560 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and American Family Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in South Mound

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $84. State Farm, Progressive, and American Family Insurance provided the largest discounts to couples living in South Mound.

State Farm gave the largest car insurance discounts to married couples, averaging $333 saved each year compared to an average South Mound couple's premiums.

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The cheapest car insurance in South Mound for drivers with bad credit

People with poor credit saved an average of $728 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $954 every year. Premiums for people with poor credit were about $2,471 in South Mound. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Dairyland.

The best South Mound car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In South Mound, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in South Mound.

Nationwide was the best company for customer service in South Mound according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in South Mound, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in South Mound. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in South Mound

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 5.8% of South Mound residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average South Mound driver can expect to pay about $100 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In South Mound, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, drivers with a DUI conviction, and married couples.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around South Mound

What Influences the Cost of Car Insurance in South Mound?

On average, car insurance in South Mound is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in South Mound is 23 minutes, which is a little less than average for a driver in the state.
  • Kansas state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in South Mound are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • South Mound has an average population density in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in South Mound is $68 per month for minimum coverage and $126 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

  • St. Paul: Insurance costs 1.58% more
  • Galesburg: Insurance costs 0.46% more
  • Parsons: Insurance costs 1.38% more
  • Strauss: Insurance costs 1.85% more
  • Erie: Insurance costs 1.91% more
  • Winway: Insurance costs 0.66% more
  • Greenbush: Insurance costs 2.70% more
  • Dennis: Insurance costs 0.79% more
  • Urbana: Insurance costs 0.13% less
  • McCune: Insurance costs 2.44% more

Cities with Similar Populations

* Who is the average South Mound driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central South Mound with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.